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Best Department Store Credit Cards Singapore 2019

Let’s face it, most of us like shopping for things, and do spend quite a bit of time looking for things that you use around the house. But did you know that you can get rewarded for shopping for the things you need the most? If you usually spend hundreds of dollars every time you shop at departmental stores in the country, take a look at how you can benefit when you use a credit card to pay. There are many cards in Singapore which might give you rewards and rebates, if used correctly. Provided that you pay off your dues in full and on time, these credit cards can give you rewards for your spends apart from the ease of payment.

We have come up with a list of some of the best credit cards in Singapore that will come in handy while shopping at department stores.

The American Express CapitaCard

The American Express CapitaCard is designed to earn you stars or reward points every time you shop at partnering supermarkets all over Singapore. By using this card, you can earn 15 STAR$ for every S$1 spent in participating partners like Market Place, Isetan Supermarket, FairPrice Supermarket, FairPrice Finest, and Giant.

Further, apart from the rewards on spending at supermarkets, you can earn 50 STAR$ for every S$1 spent with participating department stores inside all CapitaLand malls. The spending for this offer is capped at S$1,200/ month. However, you will continue to earn 5 STAR$ for every S$1 spent, even if you exceed the eligible limit. Once you’ve accumulated enough STAR$, they can be exchanged for CapitaVouchers.

Other Card Benefits

Some of the other benefits of this card are as follows:

  • All the STAR$ are directly credited into your CapitaStar account.
  • Complimentary parking at participating CapitaLand malls, for up to 3 hours a day.
  • Complimentary privileged parking at CapitaLand malls, when you spend S$1,800 in a calendar month.

Citi Rewards Card

With the Citi Rewards Card, you can earn rewards on your department store shopping all throughout the year. You can earn 10x Citi Rewards (10 Citi ThankYou Points for each dollar spent) whenever you purchase at department stores in Singapore as well as overseas. However, keep in mind that rewards at the 10x rate are capped at a total of 10,000 points in a statement month. These Citi ThankYou Points are valid for a period of 5 years from when you earn them, after which they expire.

Other Card Benefits

Some of the other benefits that this card has to offer are:

  • 10 Citi ThankYou Points for every dollar you buy bags, clothes, and shoes from online merchants.
  • 10 points for every S$1 you spend on buying clothes, shoes, and bags, in SIngapore as well as abroad.
  • 1 Citi ThankYou Point for each S$1 spent on every other transaction.

DBS Takashimaya Cards

This card is specifically designed to provide rebates and other benefits when you shop at a Takashimaya Department Store and Takashimaya Square. With the DBS Takashimaya American Express Card you can enjoy up to 6% voucher rebates. You get 2 Takashimaya Bonus Points for every S$10 spent. Further, for every S$2,000 spent outside a Takashimaya store, you will receive a Takashimaya Shopping Voucher worth S$10.

Other Card Benefits

Some of the other benefits that you get with this card are as follows:

  • An additional discount of 10% at in-store sale events.
  • When you spend a minimum of S$250 in a Takashimaya Store, you will get an S$6 top up on your Cashcard for parking.
  • A discount of 5% at Takashimaya Japan.

UOB Delight Credit Card

With the UOB Delight Credit Card, you can get SMART$ rebates of up to 8% on your department store purchases if you spend at least S$800 or more every month on the card. This rebate is applicable when you shop at Cold Storage, Marketplace, Jasons, Giant, and Guardian. For total monthly spends less than S$800 and above S$400, you will get a SMART$ Rebate rate of 3%. For total monthly spends less than S$400, your SMART$ Rebate rate will be 0.3%.

You can get a further, 10% discount on over 4,000 house brands products Cold Storage, Giant, Guardian, Essential, Savour, Feathersoft, and other partnering stores.

Other Card Benefits

  • Get a 3% rebate when you opt for contactless transaction.
  • Get 0.3% rebate on all other spending using the card.
  • Enjoy redeeming your SMART$ all over Singapore, with more than 900 participating outlets.

UOB Lady's Card

With the UOB Lady’s Card, you get UNI$5 for every S$5 spent on clothes from partnering departmental stores both in Singapore as well as overseas. You also get SMART$ rebates all throughout the year when you shop at supermarkets such as Guardian, Jasons, and Giant. SMART$ are similar to normal dollars and are worth just as much (1 SMART$ = S$1).

Other Card Benefits

Some of the other benefits of this card are:

  • Get exclusive Mastercard privileges such as a complimentary bottle of wine.
  • Get free parking for 2 hours on weekends at specified shopping malls and outlets.
  • Enjoy financial freedom by converting purchases of S$500 and more into smaller instalments and pay them off over periods of up to 12 months.

Metro UOB Platinum Card

This card offered by UOB provides discounts and rewards on your grocery and household shopping. Use your card at Metro outlets to get discount on regular priced items. The rebate is available in the form of Metro$, which can be traded for Metro Shopper Cheques, which can in turn be used for further savings for next time.

You can get a 10% discount on regular priced items with a blue tag. A rebate of 5% is available on the purchase of any merchandise or sale items from metro stores. For every S$5 that you spend using your Metro-UOB card, you can earn UNI$1, which can be traded for other gifts.

Other Card Benefits

  • You can enjoy a discount of 20% on your birthday month.
  • You will receive invitations to Double Metro$ Day, which you can use to earn Metro$ at double the usual rate.
  • You can get free delivery service if you spend a minimum of S$150.

OCBC Titanium Rewards Blue Credit Card

The OCBC Titanium Rewards Card will give you more points the more you shop. If you shop in a department store in Singapore or overseas, you can earn rewards in the form of OCBC$. You can earn 10 x OCBCS$ for every 1S$ that you spend.

Other Card Benefits

  • Get 10x OCBC$ when you buy bags, clothes, and shoes.
  • Get 10x when you spend on babies’ and children’s wear, and on gadgets and electronics.  
  • Enjoy e-Commerce Protection for your online purchases.

OCBC Robinsons Card

This card comes with no specific limit on how much rebate you can accumulate every month. Further, you also get special invites to exclusive member events, where you can enjoy various discounts on products. You can enjoy an all year rebate of 5%, at partnering stores all over Singapore.

If you spend S$5,000 using your card, you will enjoy a waiver of annual fee, provided that you spend at least S$200 at Robinsons , Marks & Spencer, or John Little.

Other Card Benefits

  • Receive a 25% discount on a minimum spend of S$500 at Robinson’s.
  • Enjoy elaborate 0% interest payment plans at partnering stores.
  • Get special discounts on luxury beddings and mattresses, during exclusive member events.

Why Should You Use a Department Store Credit Card?

Shopping at department stores is something that all of us do. Which is why earning rewards and discounts will help in the long run. Using department store credit cards has its specific advantages. Sometimes, using credit cards that have been made specifically for use at a particular store can help you get additional discounts and help save more money.

Depending on the terms of use of the card, you might be able to get decent discounts or cashback when you spend a certain amount of money.

Moreover, some department stores also provide free gifts or services when you use your card to buy items from the store. Services like shipping and handling might be provided for free along with the purchase of the product.

How to Select a Good Store Credit Card

A department store credit card is a good idea, if you consistently spend money at these stores. Here are some tips to help you to pick the right card for you:

  • The offers and benefits should meet your lifestyle. The card should offer more benefits at stores that you frequently shop at.
  • The card should give you benefits each time you make a purchase, instead of just a one-time discount.
  • Value-added benefits also play a huge role when it comes to picking the right card. A good card should offer merchant specific benefits like free shipping and delivery.
  • Having good customer support is of the utmost importance. It is good to research about the card customer service and support services

Department store credit cards are perfect if you’re looking to save money while making purchases at stores that you frequently visit. You can get a lot of benefits and rewards by using these cards. Having said that, you should always go through the terms and conditions and check if you get better deals with other credit cards as well. Finding the right card may take some time, but it’s worth it.

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